There are areas of the world, notably the US and UK, where credit cards are ubiquitous. There are more than half-a-billion credit cards floating around the US; the average household has eight. In the UK there are more cards than people. The widespread use of plastic-as-payment in these countriesalong with the development of the electronic tickethas enabled the migration of airline ticket sales to the Internet with substantial savings to carriers. But in much of the world, credit ...

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